USDA VS FHA in San-Luis, Yuma County, AZ

In 2026, the USDA loan ceiling for San-Luis, Yuma, AZ is $285,000, while the FHA limit for a single-family house is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates today and figure out the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

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2026 Loan Limits and Downpayment in San-Luis, Yuma, AZ

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional $548,250 3%

USDA and FHA Loan Paths in San-Luis, AZ

Lendersa® is committed to securing the best USDA or FHA loans rapidly without hassle. Begin with one of three methods that lead to matching lenders and USDA loan programs.

Lendersa USDA loan matching results

Understanding USDA Loans in AZ

A USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan, is meant for rural neighborhoods. Unlike FHA loans, which demand at least a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 2000 State St, Suite A, Santa Barbara, CA, 93105
  • Ranch & Coast Mortgage Group, Inc. understands the importance of finding the right mortgage loan that fits your exclusive needs and situations. Our team’s extensive knowledge of the mortgage and financial market, coupled with our years of experience, allow us to find you the lowest rate with the best possible terms.

  • Vanguard Hard Money
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  • Vanguard Hard Money, is a direct lender specializing in financing for fix & flip rehab development loans. We provide investors with hard money loans to facilitate the purchase, rehabilitation and sale of single family homes, multi-family, and commercial properties. We strive to be the best.

  • Commercial Loan Express
  • 351 Hitchcock Way, Ste. B-230, Santa Barbara, CA, 93105
  • Commercial Loan Express Headquartered in Santa Barbara, California the president, Peter De Witte formed his team in 2004. Commercial Loan Express is a hard money lender that specializes in lending to investors who profit from house flipping. The loans are underwritten and funded in-house, thereby enabling swift decisions, flexible lending solutions

  • A & R Financial, Inc.
  • 769 East Rock Creek Dr, Ivins, UT, 84738
  • A&R Financial started in 1997 off a few referrals from relatives & Friends and has perpetually grown from client referrals. After doing business with A&R, people know who their loved ones should turn to for their mortgage needs. We'll become your ally and close friend in the home-buying process.

  • 1st Rate Mortgage
  • 1530 E Scenic Sunrise Dr, Washington, UT, 84780
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  • Ryan Bolton
  • 283 West Hilton Drive, Suite 3, Saint George, UT, 84770
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  • Envision Home Loans, LLC
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  • Patriot Home Mortgage
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    We are lending in 17 states with plans to expand nationally as a part of Belem Servicing LLC.